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*Other fees may apply. Free and $0 means there is no
commission charged for these trades. $0 option trades are subject to a $0.65 per-contract fee.
Sales are subject to a transaction fee of between $0.01 and $0.03 per $1,000 of principal. There
are costs associated with owning ETFs. To learn more about Merrill pricing, visit our Pricing
page.

** Merrill waives its commissions for all online stock, ETF and option trades
placed in a Merrill Edge® Self-Directed brokerage account. Brokerage fees associated
with, but not limited to, margin transactions, special stock registration/gifting, account transfer
and processing and termination apply. $0 option trades are subject to a $0.65 per-contract fee.
Other fees and restrictions may apply. Pricing is subject to change without advance notice.

Investing in securities involves risks, and there is always the potential of losing money
when you invest in securities.

Asset allocation, diversification and rebalancing do not ensure a profit
or protect against loss in declining markets.

The performance data contained herein represents past performance which does not guarantee
future results. Investment return and principal value will fluctuate so that shares, when
redeemed, may be worth more or less than their original cost. Current performance may be lower
or higher than the performance quoted. For performance information current to the most recent
month end, please contact us.

Net Asset Value (NAV) returns are based on the prior-day closing NAV value at 4 p.m. ET. NAV returns
assume the reinvestment of all dividend and capital gain distributions at NAV when paid.

Market price returns are based on the prior-day closing market price, which is the average of the
midpoint bid-ask prices at 4 p.m. ET. Market price returns do not represent the returns an investor
would receive if shares were traded at other times.

Returns include fees and applicable loads. Since Inception returns are provided for funds with less
than 10 years of history and are as of the fund's inception date. 10 year returns are provided for
funds with greater than 10 years of history.

Before investing consider carefully the investment objectives, risks, and charges and
expenses of the fund, including management fees, other expenses and special risks. This and
other information may be found in each fund's prospectus or summary prospectus, if
available. Always read the prospectus or summary prospectus carefully before you invest or
send money. Prospectuses can be obtained by contacting us.

Expense Ratio – Gross Expense Ratio is the total annual operating expense (before
waivers or reimbursements) from the fund's most recent prospectus. You should also review the fund's
detailed annual fund operating expenses which are provided in the fund's prospectus.

Merrill, its affiliates, and financial advisors do not provide legal,
tax, or accounting advice. You should consult your legal and/or tax advisors before making any
financial decisions.